Q: Dear Samira, I've taken a loan from a bank via credit card. I came back to my country and due to the COVID situation, I lost my job. Now I want to come back to Dubai but I didn't pay the loan and payments are pending for the last 3 months. Can you please help me with how I can sort out this matter? Thank you

Q: I was working in Abu Dhabi. I have a personal loan amount of 82000 and 20000 of a pending credit card bill. I lost my job due to the current COVID pandemic. When I came to India for my annual vacation, my employer terminated me and canceled my visa. I was not able to come back. Even tourist visa possibilities were less. As everyone in India aware that this job loss and paying back the debt of a UAE bank is very tough. I am ready to pay some small percentage of the amount to the bank as a settlement. Is it possible?

Q: Hi everyone. I need help regarding a criminal case. I lost my job years ago in Dubai and while in the search for a new job, my passport expired in that period. I came to my country to renew it and meanwhile, after only 3 weeks of not paying the monthly installment, the bank opened a criminal case against me. I couldn’t return and all the debt collectors threatened me for months. Besides the abusive way, and the short timing of action of the bank against me, I wish to return to Dubai. I need a safe way but I am not able to pay the bank until I find a job there. Is it enough only to pay the fine to the police? What are the steps to arrive safely there? I need clear and good advice and future collaboration with a lawyer also. Thank you

Q: Hello Experts, I need your kind advice regarding my loan. I had a loan of 250k and a credit card of 13k with a bank. When I left the UAE in March-20, my cumulative outstanding of both was 160k. Since then, I'm in Pakistan and hasn't come back to the UAE The bank has bounced security cheques and filed criminal cases. Now I have a job offer from Dubai and they already applied for my employment visa. Meanwhile, I'm negotiating with the bank for a one-shot settlement over the telephone. They are asking me to pay 112k one payment for the full and final settlement of both liabilities. They have waived off all the interest and just asking the principal amount in this way. Please advise if 112k is a good deal considering the situation or I should have to get more discount. Also, advise how should I go forward with them (they said, they'll issue a settlement letter/new offer letter, after which I'll submit the payment and then within 2 weeks they'll withdraw the criminal case).

Q: I had defaulted on cheques with some banks in the UAE, and now they are saying that they will go for a civil case. If they go for a civil case, what are the consequences? Is there any travel ban or any issues in renewing the visa?

Q: Dear All, Please advise me on this issue. Your help and guidance will be appreciated! I am writing to discuss the repayment of the loan amount that I owe. I was asked to pay an amount of AED 15,000. Unfortunately, my current financial situation does not allow me to pay this amount as I am going through a hardship. However, I am determined to fulfill my financial obligations as soon as I start working. I can currently afford to pay an amount of AED 1,000, which is the maximum amount I can allocate towards the repayment for now. As soon as I enter the UAE, I will be in a more stable financial position and I can begin repaying the loan on a monthly basis. My question is: how can I make the bank agree with my request and allow me to enter the UAE without any hassle? Thank you for your time and consideration!

An interview-format article covering the topic of force majeure in the UAE, in light of COVID-19. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.

An interview-format article covering the topic of the travel ban and reasons leading to it in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

What shall I do if I have a bounced cheque? You need to contact your lawyer as soon as possible to issue a travel ban against the person who issued the bounced cheque. It should be noted that time plays a very important role in bounced cheque cases.

There is an execution against me in the UAE; what should I do? How do I cancel the arrest warrant and summons, and how do I deal with the travel ban? Dear readers, we present this simplified article, in which we explain the implementation procedures briefly, how the defendant can deal with them, and the options he can take to enforce the judgment smoothly while decreasing the damages of implementation as much as possible.

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.

The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.